Note that this is a project previously backed by Kickstarter - now they're looking for a second round of crowdfunding in order to fuel the final push:

Quote

At this point, all the parts of the game have been completed, and all we’ve got left to do is put them together, polish it up and debug. Over the last year, we’ve invested more than £100,000 from our own pockets so that we could take InSomina to this point. We are currently spending around £12,500 a month in the development process for InSomnia, and the current schedule calls for another four months of development and work on the game post this Kickstarter campaign - (putting the final pieces of the game together, final review of text, recording voice overs, localization work, etc.).

In order to get all of this done, we need £50,000 (plus the fees [£5,000] that Kickstarter will charge for its services). Now that we’re fully staffed and efficiently working towards an end goal, we’ve decided to ask the gaming community for one more and final bout of support.

I actually like this approach, of asking for a smaller amount up front and coming back later. This gating is pretty typical of a lot of private investment, and I think it's a good fit for KS as long as there's transparency for backers.

I guess the risks might indeed be above-average, however these particular developers seem to be enthusiasts motivated by the creative process itself, and they pay much time and effort to development, judging from their regular updates.